PCP Personal Contract Purchase Balance Calculator

  • Use our PCP (Personal Contract Purchase) balance calculator find the current remaining balance of your PCP contract. Just enter the details and the start date.
  • We will estimate your full payment schedule, estimate the value of the car at each stage and check whether you are past the 50 percent rule threshold to hand back the vehicle.
  • Click here to find the first 3 year depreciation estimate for any car.

Find Depreciation For Your Car - click to close




Information and how to use

Use this PCP balance calculator to find the balance of your personal contract purchase. All you need to do is enter the start date of your contract and then complete details of your contract such as the price of the car, deposit and interest rate.

We will provide you with the current balance on your contract, the amount required to be paid in order to satisfy 50 percent of payments with the option of terminating the contract early.

As you most likely have a balloon on a PCP deal the balance figure provided will include the balloon as any settlement to the contract will include that amount.


This site is designed to give you an understanding of financial products out in the wild, preparing you for proper professional advice.

We have provided guides, tools, a selection of deals (lowest rate and/or fees) but expect you to seek full professional advice with a whole of market adviser before making any decision.

Use the information provided at your own risk, we're not providing advice and errors can be made. Calculations made on the site are estimates, therefore in places assumptions or approximations may be used. We cannot accept responsibility nor are liable for any mistakes.

Data Protection Registration Number ZA200013

Please read our full disclaimer.